| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $34K | $0 | $34K | 0.72% |
| TRIPLE-S SALUD3 | PO BOX 363628 SAN JUAN, PR 00936 | TRIPLE-S SALUD, INC. | $38K | $0 | $38K | 5.00% |
| P.S.H. INSURANCE, INC.3 Filed as: P.S.H. INSURANCE | 737 BISHOP STREET, SUITE 2120 HONOLULU, HI 96813 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $10K | $0 | $10K | 2.99% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 7,222 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | TRIPLE-S SALUD, INC. | 248 | $1.1M |
| Dental(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 7,222 | $4.6M |
| Vision(3 contracts, 3 carriers) | TRIPLE-S SALUD, INC. | 7,227 | $1.7M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 7,222 | $4.7M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 7,222 | $4.7M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 7,222 | $4.7M |
| Prescription drug(2 contracts, 2 carriers) | TRIPLE-S SALUD, INC. | 248 | $1.1M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 7,222 | $4.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,227 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.